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Ki 
 
 North British and Mercantile 
 
 ^nmmtt ^mi^u% 
 
 Of 
 
 BDINBUEGH AND LONDON. 
 
 E«tabll»Iied 1S09. 
 
 FIRE -A.lSri> LIFE. 
 
 Capital — Two Millions Stg. 
 
 1862. 
 
 GUEIiPH : 
 
 It. M. m.QpWl^Aamt, 
 Officer—Bank ofli^irml. 
 
 1' f": 
 
 w 
 
 KT^ 
 
 ■,ti.- 
 
t^ 
 
Incorporated by Boyal Cliarter, 
 
 PBESIDEy^T, 
 HIS GEACE THE DUKE OF EOXBUEGHE, K.T. 
 
 VICE-PBE8IDENTa. 
 
 THE MOST NOBLE THE MAEQUIS OF ABEECOEN, K. G. 
 
 THE EIGHT HON. THE EAEL OF 8TAIE. 
 
 DIRECTORS. 
 
 Extraordinary. 
 J. Farquhabson, Esq., Invercauld. 
 Sib Adam Hay of HayBton, Bart. 
 John Gibbon Jun., Esq., W.S. 
 Sm M. W. EiDLBY, Bart., M.P. 
 Sib Waltbb Jahbs, Bart. 
 J. COOKSON, Esq., of Meldon Park. 
 Eight Hon. Viscount Mblvillb. 
 Sib Jambs Fbbgusson of Kilker- 
 
 ran, Bart., M.P. 
 Sib A.I.Cambbbll of Saccoth,Bart. 
 Eobbbt Baljoub Wabdlaw 
 
 RAMSAY, Esq., of WhitehUl. 
 Sib D. Dundab of Dunira, Bart. 
 Right Hon. the Eabl of Aiblib. 
 
 (h'dinary. 
 
 Fbbdbbiok Pitman, Esq., W.S. 
 John Bbown Innes, Esq., W.S. 
 Hbnby D. Fkbousson, Esq., W.S. 
 John Maitland, Esq., Accountant* 
 
 General to the Conrt of Session. 
 E. B. Maoonoohib, Esq., W.S. 
 Sib James Gabuineb Baibd, Bart. 
 J.F.W. Dbummond, Esq., Merchant, 
 Jambs Campbell Tait, Esq., W.S. 
 G. AuLDJO Jamieson, Esq., C,A. 
 Yice-Admiral Hbnby Dundas. 
 Laubenob Davidson, Esq., W.S. 
 David Baxbd Wauohofb, Esq., 
 
 Merchant, Leitb. 
 
 SeoretanT/—Jonv Ooilvib. 
 Actuary Medioai Officer. Auditor. 
 
 DAVID CaiSHOLM. J. G. M. BUBT, M.D. GSOBQB MUBBAY, C.A. 
 
 Oenerai Jtfonaflrer-DAVID SMITH. 
 HEJlD OFFICE, 64 PRINCES STREET, EDINBURGH. 
 
 
London Offices : 
 
 58 THREADNEEDLE STREET, and 
 4 NEW BANK BUILDINGS, LOTHBURY, B.C. 
 
 Directors, 
 
 John White Catbr, Esq,, Merchant. 
 Charles Mobkison, Esq., Merchant. 
 AN8ELM0 BE Akroyave, Esq., Merchant. 
 Edward Cohen, Esq., Merchant. 
 James du Buisbon, Esq., Merchant. • 
 Pasco^ du pre Gbbnfbll, Esq., Merchant. 
 Adolphub Klockmann, Esq., Merchant. 
 John Mollett, Esq., Austin Friars Passage. 
 Jui^ius Spencer Morgan, Esq., Merchant. 
 John Henry Wm. Schroder, Esq., Merchant. 
 George Garden Nicol, Esq., Merchant. 
 George Young, Esq., Merchant. 
 
 Audit « i William Ferguson, Esq. (aieesrb. R. Benson & Co.) 
 ■ ( Charles Richard Harford, Jun., Esq. (Lloyds). 
 
 JBaufcers— Messrs. Glyn, MiLia, & Co., Lombard Street. 
 
 SolicUor-^'W . E. Drake, 46 Parliament Street. 
 
 Manager of Fire Department. 
 George Henry Whyting, 
 
 ^fanager of Life Depa/rtment. 
 W. ¥. Birkmyrb. 
 
 Secretary- Y. W, Lance. 
 General Mamgfr—DA'VID SMITH. 
 
 Branches : 
 
 Glasgow. 
 
 Liverpool. 
 
 Manohbstbb. 
 
 Newcastle. 
 
 Dublin. 
 
 Belfast. 
 
 Agents 
 in all the principal Towns of the United Kingdom. 
 
 ■WWnWPWHVM^ 
 
CANADA. 
 
 CENTRAL BRANCH : 
 
 2, 4 & 5 MERCHANTS' EXCHANGE, 
 
 ST. SACBAMENT STREET, 
 
 MANAGING DIRECTORS: 
 
 D. Lorn Macdouoall, Esq. 
 Thomas Davidson, Esq. 
 
 ORDINARY DIRECTORS: 
 
 The Hosobablb Louis Rbnaud, M. L. 0. 
 Thb Honorable John Rose, M. P. 
 Thomas Rtan, Esq., Merchant. 
 James Law, Esq., Merchant. 
 David Davidson, Esq., General Manager, 
 Bank of MontreaL 
 
 SECRETARY: 
 
 H. J. JoBNSTOif, Esq. 
 
 MEDICAL OFFICER: 
 
 Wm. Sutherland Esq., M.D. * 
 
 GENERAL AGENTS FOR CANADA. 
 
 Messrs. MaoDOUGALL and DAVIDSON. 
 
LIST OF AGENTS IN CANADA. 
 
 Belleville Q. MAC5IDBB. 
 
 Branlford W. J.Buchaitak. 
 
 Broohville F. M. HoLMjis. 
 
 Cohourg 0. H. Mobqak. 
 
 Cormoall A. Nbsb. 
 
 Dundas Thos. H. McKbnzib. 
 
 Ooderich F. W. Thomas. 
 
 OueVph R M. MooRB. 
 
 Hamilton.... E. L. Bitchib k Co. 
 
 Kingston A.Dbummobtd. 
 
 London W. Dbmpstbb. 
 
 Ottawa p. Pbabboit Habbis. 
 
 Parit Wabbbn Tottbk. 
 
 Peterborough J. N.Tbavbbs. 
 
 Perth R. BiCHABDBOK. 
 
 Picton Jambs Gbat 
 
 Qfiehec Etaw Bbothbbs k Co. 
 
 St. Mary W. Bichabdsow. 
 
 Simcoe g. Bbad. 
 
 Strafford 0. M. Smith. 
 
 St. Thomas E. M. Yabwood. 
 
 Toronto Jko, C. Stikbmaw. 
 
 Waterloo A.Macnidbb. 
 
 Whitby Thos. Dow. 
 
 Woodstock Jho. Coohiix. 
 

 EstablUhed 1809. 
 
 LIFE DEPARTMENT: 
 
 GINERAL PRINOIPLBS. 
 
 mHB COMPANY, as a Life Office, was established in 1823. 
 The principles on which it was founded, and on which it 
 continues to act, combine the system of Mutual Assurance 
 with the safety of a large Protecting Capital, and thus affords 
 all the facilities and advantages which can prudently be offered 
 by any Life Assurance Office. 
 
 The subcribed Capital is £2,000,000 Sterling, equal to 
 TEN MILLION DOLLARS nearly. 
 
 Invested Funds £1,374,000 Sterling. 
 
 In virtue of the Guarantee afforded by this Capital, the Com- 
 pany can adopt rates lower than are practicable by a purely 
 mutual office. 
 
 While, in virtue of the principle of giving the assured in 
 their option a right to a share in the Profits, the Policy-holders 
 derive the same, or even a greater benefit, than if they actually 
 belonged to a mutual office. 
 
 The Premiums are regulated on these two principles — either 
 a party'may pay a higher rate, and secure the benefit of a share 
 in the Profits, or he may adopt a lowei rate, thus paying a less 
 sum, while he has absolute security for the payment of the 
 amount in his Policy. 
 
K(yrth British and Mercantile Insurance Company. 
 
 The business of the Company since its institution has steadily 
 increased, as will be seen from the following Table : 
 
 Progress of Life Business. 
 
 
 Nos. 
 
 Amount 
 Assured. 
 
 Nos. 
 
 Annual 
 Average. 
 
 1823 to 1838 
 1833 to 1843 
 1843 to 1863 
 1853 to 1867 ) 
 A period of five 
 years inclusive. 
 
 1858 
 1869 
 1860 
 
 1081 
 2643 
 
 2788 
 
 1986 
 
 Sterling. 
 
 £1,083,444 
 2,297,663 
 2,610,878 
 
 1,384,741 
 
 108 
 264 
 278 
 
 897 
 
 Sterling. 
 
 X103,344 
 
 229,765 
 251,087 
 
 276,948 
 
 455 
 605 
 741 
 
 377,425 
 44^913 
 475,649 
 
 455 
 605 
 741 
 
 377.426 
 449,913 
 475.649 
 
 The three latter years contrast favourably with any former year, 
 and the improvemeni thus experienced, will, it is anticipated, bene- 
 ficially affect the Bonus to be declared at next investigation in 
 December 1865. 
 
 Division of Profits. 
 
 The Profits are ascertained and allocated every Seven Years. 
 
 The share of the Surplus allotted to those insured with Profits 
 is Nine-tenths ; or, in other words, the whole of the Profits arising 
 from the Life Business, after setting aside one-tenth for the Gua- 
 rantee, are divided among the assured. 
 
 Previous Bonuses are added to the sums assured, and are thus 
 entitled to participate in future Divisions. 
 
 Not a few of the methods of dividing profits at present in 
 vogue, proceed on the principle of giving very large Bonuses to 
 the old Policy-holders ; and consequently the more recent 
 entrants suffer, by not receiving that share of the Surplus which 
 a more equitable mode of distribution would entitle them to. 
 
 The system of this Company does justice to all classes of the 
 Assured, inasmuch as, while giving the old Policy-holders the 
 benefit of their longevity, it at the same time distributes a f*ir 
 share of the profits among new entrants. 
 
 This will be more clearly shewn by an example or two. 
 
 Take the case of a party opening a Policy for $1000 in the 
 
North British and Mercantile Insuranc. Company. 
 
 year 1851, his age then being 30, which is the average age at 
 entry. 
 
 His policy would stand thus at December, 18G8, when the last 
 division of Profits took place : 
 
 Sum assured, $1000.00 
 
 Bonus additions, 101 . 09 
 
 He would then have paid in premiums — $199.33 — so that his 
 Bonuses would be equivalent to no less than 50 per cent, of the 
 premiums paid. 
 
 Or take the case of a party of the same age opening a Policy 
 for $1000 in 1844. 
 
 His Policy would stand thus at December, 1858 : 
 
 Sum assured, $1000 '00 
 
 Bonus additions, 200 • 40 
 
 At that date he would have paid in prcraiuma — $373.75 ; and 
 the Bonuses added to his Policy would be equivaleuL to about 
 55 per cent, of the premiums paid. 
 
 And on Policies of longer standing, the return by way of 
 Bonus would bear a still higher proportion to the premiums 
 paid, and in some cases is as high as 70 per cent, of the pre- 
 miums. 
 
 At the last Division and Allocation of Profits, as at 31st De- 
 cember, 1858, the nominal rate of Bonus was $1.25 per cent, per 
 annum on the sura assured and previous Bonuses ; but, if rated 
 on the sum assured alone, the Bonus allocated varied from $1.25 
 to $1.75 per cent, per annum, according to the duration of the 
 Policy, as illustrated by the following 
 
8 
 
 N<yrth British mid Mercantile Insurame Company. 
 
 TABLE. 
 
 Exhibiting the amount of Policies of $1000 each^ opened at differ- 
 rent periods^ as at last Division ofPr : .«, mth the amount of 
 farther Bonus then added to each. 
 
 Policy 
 
 effected 
 
 in the 
 
 Year. 
 
 Original 
 
 Sum 
 Assured. 
 
 Sum Assured 
 
 and previous 
 
 Bonuses. 
 
 Farther 3onns 
 
 allocated 
 t« PoUcy, 1858. 
 
 Bate per cent. 
 
 of Bonus on 
 
 Snm Assured. 
 
 1824 
 1830 
 1887 
 1844 
 1851 
 1858 
 
 9 
 1000 
 
 1000 
 
 1000 
 
 1000 
 
 1000 
 
 1000 
 
 9 cl 
 1888. £ 
 
 1319.90 
 
 1216.71 
 
 1108.81 
 
 1012.60 
 
 1000.00 
 
 $ cts. 
 122.35 
 
 115.50 
 
 106.46 
 
 96.58 
 
 88.59 
 
 12.50 
 
 $ cts. 
 1.75 
 
 1.66 
 
 1.58 
 
 1.88 
 
 1.27 
 
 1.25 
 
 Prospective Bonus. 
 
 In order to obviate any disadvantage arising from the period 
 of Division being so distant, the Company have adopted a rule 
 by which a Prospective Bonus of One per cent, per Annum is 
 allowed on all Policies of five years' standing which may 
 become claims previous to the next Investigation in 1865, thus 
 giving the Policy-holders the benefit of an annual division 
 without the corresponding hazard arising from the want of a 
 proper average. 
 
 Thus a Policy for $1000 opened in 1830, which, on 
 31st December, 1858, amounted to $1435-40 
 
 If it should become a Claim, in 1861, after payment 
 of the Annual Premium, it would receive a fur- 
 ther addition of. 43-06 
 
 $1478-46 
 
/ 
 
 North British and MereanUle Insurance Company. 
 
 In every succeeding jeai-, the amount payable being as under : 
 
 1861. 1862. 1863. 1864. 1865. 
 
 $ Ctfl. $ CtS. § ctS. ^ Ct8. $ Ct8. 
 
 1478.46 1492.82 1507.17 1521.53 1535.88 
 
 Application of Bonus. 
 
 Bonuses may be added to the sum assured, or conmwjted into 
 a cash payment, or applied in reduction of future Annual 
 Premiums. 
 
 EXAMPLES. 
 
 I. Application to Sum Assured. 
 
 By this method the sum assured payable at death i=; increased 
 without any alteration in the Annual Premium paid to the 
 oflfice. 
 
 Thus, a Policy opened in 1824 for $1000*00 
 
 Received, prior to 31st Docfinber, 1;^51, 
 
 additions of $398 '32 
 
 And on 3lst December, 1858 122-35 
 
 520-6 7 
 
 Amount payable if death occurs after 31st Decern- 
 
 ber, 1858, $1520 '67 
 
 In the event of death before the Slst Decembf^r, 1865, it will 
 receive a farther Bonus of $1 per cent, per annum on the above 
 sum of $1520.67 or $15.20 for each Annual Premium paid during 
 the current septennial period. 
 
 2. Surrender of Bonus for Value in Cash. 
 
 According to this method, if the person assured does not wish 
 the sura in his Policy increased, he may surrender the Bonus 
 and fake its value in Cash ; that is, instead of the amount being 
 paid witn tiie sum assursu., Si, u.e»tu, such a suni will now be 
 given as the Directors may consider equivalent to its present 
 value. 
 
10 
 
 N(yrth British and Mercantile Insurance Company. 
 
 Thus, in the case of a Policy for $1000 opened in 1824— assum- 
 ing the party io have insured at the age of 30, and to be now 
 in his 65th year— the sum of $328.44 would be given for a 
 surrender of the Bonus, while the Policy will continue to 
 receive its share of profits at future investigations. 
 
 3. Application op Bonus to Reduction op Annual 
 
 Prbmiums. 
 
 By this method a person, instead of increasing the sum in 
 the Policy, or receiving a cash payment, may apply the Bonus 
 so as to reduce the future Annual Premiums payable by him. 
 
 For Example, — A Policy has been opened with the Company 
 for $1000 in 1837, on a life then aged 30, at an Annual 
 Premium of $24.92. The Bonuses applicable to that 
 Policy at 3l8t December, 1858, amounted to $323.17 ; but 
 by surrendering the Bonus, and applying it in reduction of 
 the Annual Premiums, the party would have to pay only 
 $13.69 per annum in future, while he would continue to 
 receive further additions to his Policy at each investiga- 
 tion, as long as he may survive. 
 
 Jlgain. — A Policy has been opened with the Company for 
 $1000 in 1824, on a life then aged 30, at an Annual Pre- 
 mium of $24.92. The Bonuses applicable to that Policy at 
 31st December, 1858, amounted to $520.67; but, by sur- 
 rendering the Bonuses, the party would not only be free 
 from the payment of all future Premiums, but there would 
 be a handsome surplus remaining of $136.93, which, along 
 with the original sum in the Policy, would continue to 
 participate in future Divisions. 
 
 New and Special Advantages. 
 
 In order to meet the exigencies of parties, and that the bene- 
 fits of Life Assurance may be made more generally available, 
 the Directors have resolved to adopt the following new and 
 important principles :— 
 
1. Mods of applying thb Profits, by purchase of an Annuity. 
 
 By this system, a party opening a Policy with Profits, 
 may at the age of 45, on surrendering his right to the Bonuses 
 declared or to be declared, obtain in lieu of his Policy, an 
 annuity payable to himself on his reaching 65 years of age. 
 So that if he dies before attaining 65, his Family will 
 receive the amount in the Policy ; and if he survives, he will 
 receive an equivalent annuity during the remainder of his 
 life. — For Table see p. 18. 
 
 2. Half-Premium System. 
 
 Instead of adopting the Half-Credit System, whereby a 
 debt iz incurred to the extent of the remaining half of 
 the Premium, a new Table has been introduced, called the 
 Half-Premium Table, see p. 20. By this Table the advan- 
 tage of Half-Credit is secured without any debt being incur- 
 red. 
 
 3. Double Assurance System. 
 
 As a great many parties are under the necessity, as they 
 advance in life, of increasing their assurance, they naturally 
 feel desirous to effect their object at the least expense. At 
 present, to do this, they are obliged to pay high Premiums 
 rated at their advanced ages, which is felt to be very bur- 
 densome. The Double Assurance Table, see p. 27, has 
 accordingly been framed to suit the convenience of parties 
 thus situated, and to enable them to secure an increasing 
 assurance at the lowest possible expenditure. By this 
 Table a party may, at a moderate Premium, secure a Policy 
 which will increase every year until the sum in the Policy 
 is doubled. 
 
 This Table is particularly advantageous to good young lives. 
 
 General Facilities. 
 
 I. Premiums moderately rated, at all ages 
 be made Yearly, Half- Yearly, or Quarterly. 
 
 'ayments may 
 
12 Korth British and Mercantile Insuranrr Company. 
 
 II. Nc Entiv'-Mtmey or ether cbaige. 
 
 III. When the assurance is for the whole of life at the uniform 
 rateSj one-half of the Premium may remain on credit for the first 
 five years, or one-third daring the convenience of the party 
 assured. 
 
 IV. Facilities for Foreign Travel and Residence. 
 
 1. License is granted to reside in any part of British 
 North America ; any part of the United States north of 
 35«* north latitude, and east of 100'* west longitude, and 
 to proceed to, and reside in, any part of Europe. 
 
 2. License is granted, in time of peace, without extra 
 Premium, to reside in any country (except the western 
 parts of North America, excluded as above) north of 36<* 
 north latitude, or south of 35° south latitude ; or to pass 
 by sea (not being seafaring persons by profession) 
 between any places lying in the same hemisphere, distant 
 more than 35° from the equator, without extra charge. 
 
 3. No extra charge for residence in Buenos Ayres, the 
 Cape of Good Hope, Port Natal, Australia, and New 
 Zealand, and no license required except for the voyage. 
 
 V. Advances are made on Policies to the extent of the Security 
 they afford, and Loans are granted on approved securities!. 
 
 VT. When a party is desirous to discontinue an Assurance 
 upon which Three Annual Premiums have been paid, a liberal 
 allowance will be made for the Surrender of the Policy, either 
 by a payment in Cash, or by granting a New Policy for an 
 equivalent sum Free of Premium. 
 
 VII. To save expense and trouble to parties resident in Eng- 
 land or Ireland, the Company is authorised by its Act of Par- 
 liament to pay on English Probate or Letters of Administration. 
 
 Vni. It shall be competent for persons resident in Canada to 
 sue the corporation in any of the Courts of Record in Canada 
 by service of the proper writ upon the Company's solicitor 
 there. 
 
North British and Mercantile Insurance Company, 13 
 
 Conditions of Policies. 
 
 The following are the conditions under which the Company's 
 Policies will in future be issued. 
 
 Attention is particularly requested to those in italics which 
 are new, and entirely remove all unnecessary restrictions affect- 
 ing Policies, making them excellent marketable securities. 
 
 I. Policies shall be held as lapsed if payment of the Premium, 
 be not made within twenty-one days from the date stipula- 
 ted in the Policy ; but such Policies may be revived at any 
 period within Six Calendar Months from the expiry of the 
 twenty-one days of grace, on payment of the Premium, with 
 interest at the rate of 6 per cent, per month. 
 
 II. Policies are valid and effectual, notwithstanding the 
 death of the assured within the days of grace (twenty- 
 one days), and before payment of the Premium; the 
 Premium due being deducted from the sum Assured at 
 settlement. 
 
 III. Policies shall, on special application, be declared indis- 
 putable from the date of their issue (proof of age being 
 given), and shall not be liable to any challenge whatever in 
 connexion with the proposal and relative papers on which 
 the Contract of Assurance is based, and shall be freed from 
 all grounds of objection (fraud alone excepted), provided 
 that the Premium stipulated in the Policy, and any Extra 
 Premium which may be exigible, shall be duly paid. 
 
 IV. Permission is granted to parties whose lives are assur- 
 ed to reside in British North America ; all parts of the 
 United States north of 35° north latitude, and east of 
 100° west longitude ; and all parts of Europe ; but 
 Policies shall become void if the parties jhftll go beyond 
 the limits aforesaid, or shall die on the iii^^ Seas (except 
 in passing and repassing in time of peace in regular pas- 
 senger Packets to or from any place or places within said 
 limits'), or beinc — or becomincr — Militarv or Naval men, 
 shall be called into actual service, unless in each case 
 permission shall have been granted by the Directors, 
 
14 North British and Mercantile Insurance Company. 
 
 which may be obtained on paying a premium adequate to 
 the risk. 
 
 V. Policies may be made exempt ^ from the date of their issue, 
 from the paym£nt of Extra Premium for travelling or 
 residing beyond the limits above specified in No. IV^or for 
 entering into Military or Naval Service, provided that it is 
 shewn to the satisfaction of the Directors that the parties 
 whose lives are to be^ or are. Assured have, at the time of 
 application, no intention or prospect of going elsewhere 
 abroad, or of entering into the Military or Naval Service. 
 
 YI. Policies granted to persons on their own lives shall 
 become null and void if they die by duelling, or by their 
 own hands, or by the hands of justice ; but the Corpora- 
 tion shall be bound in these cases to pay such sum as 
 would have been paid as the surrender value of the 
 Policy on the day preceding decease. This forfeiture, 
 however, does not extend to Policies which have been 
 bona fide assigned to third parties for onerous causes, 
 and of which assignment notice shall have been given to 
 the Corporation not less than one month previous to 
 death, nor does it extend to Assurances effected by one 
 person on the life of another. 
 
 YII. All claimants, upon the decease of any person whose 
 life shall have been assured by the Corporation, must 
 give proof thereof, and give such further information 
 respecting the death as the Directors shall think reason- 
 able. 
 
 YIII. On claims being made, reasonable proof of the time 
 of birth shall be required, unless that fact shall have been 
 previously established ; in which case the same shall be 
 admitted by indorsement on the Policy. 
 
 IX. Payment of claims accruing by death shall be made 
 within three calendar months after proof shall have been 
 given, to the satisfaction of the Directors, of the death of 
 the party, or parties, upon whose life, or lives, the Assur- 
 
 
 d. 
 
 June, 1861. 
 
16 
 
 NmHh British and Mercantile Insurance 
 
 Companj/, 
 
 ANNUAL PEEMITJM payable during the Whole of Life, for the 
 
 Assurance 
 
 
 
 
 Of SlOO, to be paid at Death. 
 
 
 
 TABLE l.-— Without Prop its. 
 
 TABLE n.- 
 
 'With Fbofits. 
 
 Ago. 
 
 Yearly. 
 
 Hiif- 
 yearly. 
 
 Quar- 
 terly. 
 
 Age. 
 
 18 
 
 Yearly. 
 
 Half, 
 yearly. 
 
 Quar- 
 tcrly. 
 
 18 
 
 1-57 
 
 0-80 
 
 0-41 
 
 1-82 
 
 0-93 
 
 0-47 
 
 
 19 
 
 1-60 
 
 0-83 
 
 0-42 
 
 19 
 
 1-86 
 
 0-96 
 
 0-48 
 
 
 20 
 
 1-65 
 
 0-86 
 
 0-43 
 
 20 
 
 1-91 
 
 0-98 
 
 0-60 
 
 
 21 
 
 1-69 
 
 0-87 
 
 0-44 
 
 21 
 
 195 
 
 1-00 
 
 0-61 
 
 
 22 
 
 1'73 
 
 0-89 
 
 0-45 
 
 22 
 
 2-00 
 
 108 
 
 0-52 
 
 
 23 
 
 1-78 
 
 0-91 
 
 0-46 
 
 28 
 
 2 06 
 
 1-05 
 
 0-63 
 
 
 24 
 
 1-83 
 
 0-94 
 
 0-48 
 
 24 
 
 211 
 
 1-08 
 
 0-66 
 
 
 25 
 
 1-88 
 
 0-96 
 
 0-49 
 
 26 
 
 217 
 
 1 11 
 
 0-66 
 
 
 26 
 
 193 
 
 0-99 
 
 0-50 
 
 26 
 
 2-28 
 
 1 15 
 
 0-58 
 
 
 27 
 
 1-98 
 
 102 
 
 0-52 
 
 27 
 
 2-30 
 
 118 
 
 0-60 
 
 
 28 
 
 204 
 
 105 
 
 0-54 
 
 28 
 
 2-37 
 
 1-22 
 
 0.62 
 
 
 29 
 
 2 10 
 
 1-08 
 
 0-55 
 
 29 
 
 2-43 
 
 1-25 
 
 0-63 
 
 
 30 
 
 2-15 
 
 111 
 
 0-67 
 
 30 
 
 2-49 
 
 1-28 
 
 0-65 
 
 
 31 
 
 2 20 
 
 1-14 
 
 0-58 
 
 31 
 
 2-66 
 
 1-31 
 
 0-67 
 
 
 32 
 
 2-26 
 
 1-17 
 
 0-60 
 
 82 
 
 2-62 
 
 1-86 
 
 0-68 
 
 
 33 
 
 2-32 
 
 1-20 
 
 0-61 
 
 88 
 
 2-69 
 
 1-38 
 
 0-70 
 
 
 84 
 
 2-39 
 
 1-23 
 
 0-68 
 
 84 
 
 2-77 
 
 1-48 
 
 0-72 
 
 
 85 
 
 2-46 
 
 1-27 
 
 0-65 
 
 86 
 
 2-85 
 
 147 
 
 0-76 
 
 
 36 
 
 2-53 
 
 1-31 
 
 0-67 
 
 86 
 
 2-93 
 
 1-50 
 
 0*76 
 
 
 87 
 
 2-61 
 
 1-35 
 
 0-68 
 
 87 
 
 301 
 
 1-65 
 
 0-78 
 
 
 38 
 
 2-69 
 
 . 1-39 
 
 0-70 
 
 88 
 
 310 
 
 1-69 
 
 0-81 
 
 
 89 
 
 2-78 
 
 1-43 
 
 0-73 
 
 89 
 
 3-20 
 
 1-64 
 
 0-83 
 
 
 40 
 
 2-86 
 
 1-48 
 
 0-76 
 
 40 
 
 8-80 
 
 1-70 
 
 0-86 
 
 
 41 
 
 2-96 
 
 1-63 
 
 0-78 
 
 41 
 
 3-40 
 
 1-76 
 
 0-89 
 
 
 42 
 
 8 03 
 
 1-57 
 
 0-80 
 
 42 
 
 8-50 
 
 1-80 
 
 0-91 
 
 
 48 
 
 313 
 
 1-62 
 
 0-83 
 
 48 
 
 3-60 
 
 1-86 
 
 0-94 
 
 
 44 
 
 3-22 
 
 1-67 
 
 0-86 
 
 44 
 
 8 72 
 
 1-91 
 
 0-97 
 
 
 45 
 
 8-82 
 
 1-72 
 
 0-88 
 
 46 
 
 8-88 
 
 1-98 
 
 101 
 
 
 46 
 
 3-43 
 
 1-78 
 
 0-91 
 
 46 
 
 3-95 
 
 2-04 
 
 1-03 
 
 
 47 
 
 3-56 
 
 1-85 
 
 0-94 
 
 47 
 
 410 
 
 211 
 
 1-07 
 
 
 48 
 
 3'68 
 
 1-91 
 
 0-98 
 
 48 
 
 4-24 
 
 219 
 
 111 
 
 
 49 
 
 3-83 
 
 1-99 
 
 101 
 
 49 
 
 4-41 
 
 2-28 
 
 116 
 
 
 60 
 
 3-99 
 
 2 08 
 
 1-06 
 
 60 
 
 4-60 
 
 2-38 
 
 1-21 
 
 
 51 
 
 4 17 
 
 217 
 
 1 U 
 
 61 
 
 4-77 
 
 2-47 
 
 1-25 
 
 
 52 
 
 4'36 
 
 2-27 
 
 1-16 
 
 62 
 
 4-95 
 
 2-66 
 
 1-80 
 
 
 53 
 
 4-55 
 
 2 '37 
 
 1-21 
 
 63 
 
 5 14 
 
 2-66 
 
 1-36 
 
 
 64 
 
 4-77 
 
 2-48 
 
 1-27 
 
 64 
 
 5-34 
 
 2-77 
 
 1-42 
 
 
 65 
 
 6-00 
 
 2-61 
 
 1-33 
 
 66 
 
 5-56 
 
 2-93 
 
 * ISM 
 
 1-43 
 
 
 56 
 
 5-22 
 
 2-73 
 
 1-40 
 
 50 
 
 6-79 
 
 300 
 
 1-64 
 
 
 67 
 
 6-44 
 
 2-86 
 
 1-46 
 
 57 
 
 604 
 
 8 16 
 
 1-61 
 
 
 68 
 
 5-68 
 
 2-98 
 
 1-52 
 
 68 
 
 6-30 
 
 8-29 
 
 1-68 
 
 
 59 
 
 1^2 
 
 311 
 
 lu9 
 
 69 
 
 6-65 
 
 8-43 
 
 1*76 
 
 
 60 
 
 616 
 
 3-25 
 
 1-65 
 
 60 
 
 681 
 
 3-67 
 
 1-83 
 
 . , „ 
 
 
 ,^_ 
 
 
 
 
 A 
 
 K- 
 

 anec 
 
 » 
 
 IT- 
 
 
 y. 
 
 
 7 
 
 
 8 
 
 
 
 
 
 1 
 
 
 2 
 
 
 >3 
 
 
 « 
 
 
 8 
 
 
 S 
 
 
 
 
 
 a 
 
 
 3 
 
 
 6 
 
 
 7 
 
 
 « 
 
 
 
 
 
 2 
 
 
 6 
 
 
 6 
 
 
 8 
 
 
 1 
 
 
 3 
 6 
 
 
 9 
 1 
 
 
 4 
 
 
 7 
 
 
 1 
 
 
 8 
 
 
 7 
 
 
 1 
 
 
 6 
 
 
 1 
 
 
 5 
 
 
 
 
 
 6 
 
 
 2 
 
 
 3 
 
 
 4 
 
 
 1 
 
 
 3 
 
 
 6 
 
 
 3 
 
 
 
 ^ 
 
 tV^^^' 
 
 JVbr/^ Bntish and Mercantile Insurance Company. 17 
 
 // 
 
 TABLE Ml. 
 
 SHORT I'EKIOD ASSURANCES 
 
 PBEHIUM for the Assurance of $100, payable at Death. 
 
 
 If within 
 
 One Ybab. 
 
 If within Sevkn Yeabb. 
 
 Age. 
 
 Payment. 
 
 Age. 
 
 Payment. 
 
 Age. 
 
 Payment. 
 
 Age. 
 
 Payment. 
 
 15 
 
 0.69 
 
 46 
 
 1.69 
 
 15 
 
 0.76 
 
 46 
 
 1.80 
 
 16 
 
 0.76 
 
 47 
 
 1.78 
 
 16 
 
 0.78 
 
 47 
 
 1.88 
 
 IV 
 
 0.78 
 
 48 
 
 1.76 
 
 17 
 
 0.79 
 
 48 
 
 1.88 
 
 18 
 
 0.78 
 
 49 
 
 1.80 
 
 18 
 
 0.79 
 
 49 
 
 1.90 
 
 19 
 
 0.78 
 
 50 
 
 1.83 
 
 19 
 
 0.80 
 
 50 
 
 1.95 
 
 20 
 
 0.79 
 
 
 
 20 
 
 0.81 
 
 
 
 
 
 51 
 
 1.87 
 
 
 
 51 
 
 2.02 
 
 21 
 
 0.80 
 
 52 
 
 1.90 
 
 21 
 
 0.82 
 
 52 
 
 2.14 
 
 22 
 
 0.80 
 
 58 
 
 1.94 
 
 22 
 
 0.86 
 
 53 
 
 2.82 
 
 28 
 
 0.81 
 
 54 
 
 1.97 
 
 28 
 
 0.88 
 
 54 
 
 2.57 
 
 24 
 
 0.81 
 
 56 
 
 2.00 
 
 24 
 
 0.98 
 
 55 
 
 2.86 
 
 25 
 
 0.82 
 
 
 
 25 
 
 0.98 
 
 
 
 
 
 56 
 
 2.13 
 
 
 
 56 
 
 3.17 
 
 ^M 
 
 0.83 
 
 57 
 
 2.84 
 
 26 
 
 1.04 
 
 57 
 
 8.48 
 
 27 
 
 0.87 
 
 58 
 
 2.71 
 
 27 
 
 1.09 
 
 58 
 
 8.79 
 
 28 
 
 0.98 
 
 59 
 
 8.17 
 
 28 
 
 1.16 
 
 59 
 
 4.05 
 
 29 
 
 1.10 
 
 60 
 
 3.65 
 
 29 
 
 1.19 
 
 60 
 
 4.28 
 
 80 
 
 1.13 
 
 
 
 80 
 
 1.28 
 
 
 
 31 
 
 1.16 
 
 
 
 81 
 
 1.26 
 
 
 
 82 
 
 1.19 
 
 
 
 32 
 
 1.29 
 
 
 
 88 
 
 1.23 
 
 
 
 38 
 
 1.32 
 
 
 
 84 
 
 1.26 
 
 
 
 34 
 
 1.35 
 
 
 
 85 
 
 1.29 
 
 
 
 36 
 
 1.40 
 
 
 
 36 
 
 1.32 
 
 
 
 36 
 
 1.45 
 
 
 
 37 
 
 1.36 
 
 
 
 37 
 
 1.49 
 
 
 
 38 
 
 1.39 
 
 
 
 38 
 
 1.58 
 
 
 
 3J) 
 
 1.42 
 
 
 
 39 
 
 1.57 
 
 
 
 40 
 
 1.46 
 
 
 
 40 
 
 1.61 
 
 
 
 41 
 
 1.54 
 
 
 
 41 
 
 1.65 
 
 
 
 42- 
 
 1.61 
 
 
 
 42 
 
 1.68 
 
 
 
 43 
 
 1.63 
 
 
 
 43 
 
 1.70 
 
 
 
 44 
 
 1.66 
 
 
 
 44 
 
 1.73 
 
 
 
 45 
 
 . 1.67 
 
 
 
 46 
 
 1.76 
 
 
 
18 
 
 North British and Mercantile Insurance Ccmpany. 
 
 TABLE IV. 
 ASSURANCE AND ANNUITY TABLE. 
 
 Securing ilOO payable at Death, if that event occur before attaining the 
 Age of 68, with the option of receiving an ANNUITY on attaining that 
 
 AgOt 
 
 Age 
 next 
 Birth- 
 Day. 
 
 Bate 
 
 per Cent 
 
 for Assurance 
 
 with Profits. 
 
 20 
 
 21 
 
 22 
 
 28 
 
 24 
 
 26 
 
 26 
 
 27 
 
 28 
 
 29 
 
 80 
 
 81 
 
 82 
 
 $0. 
 
 1.91 
 
 1.96 
 
 2.00 
 
 2.06 
 
 2.11 
 
 2.17 
 
 2.28 
 
 2.80 
 
 2.87 
 
 2.48 
 
 2.49 
 
 2.66 
 
 2.62 
 
 Kate of Annuity 
 for each 9100 
 
 Assured, 
 
 commencing 
 
 a<65. 
 
 » o. 
 12.18 
 
 12.04 
 
 11.87 
 
 11.78 
 
 11.62 
 
 11.36 
 
 11.80 
 
 11.14 
 
 11.08 
 
 10.89 
 
 10.71 
 
 10.66 
 
 10.40 
 
 Age 
 next 
 Birth- 
 Day. 
 
 88 
 84 
 86 
 86 
 87 
 88 
 89 
 40 
 41 
 42 
 48 
 44 
 46 
 
 Bate 
 
 per Cent 
 
 for Assurance 
 
 with Profits 
 
 $0. 
 
 2.69 
 2.77 
 2.86 
 2.98 
 8.01 
 8.10 
 8.20 
 8.80 
 8.40 
 8.50 
 8.60 
 8.72 
 8.83 
 
 Bate of Annuity 
 for each 8100 
 
 Assured, 
 
 commencing 
 
 a«66. 
 
 9 o. 
 10.28 
 
 10.14 
 
 9.97 
 
 9.77 
 
 9.66 
 
 9.46 
 
 9.81 
 
 9.12 
 
 8.91 
 
 8.74 
 
 8.66 
 
 8.89 
 
 8.19 
 
 NoTB.— Although the above Table terminates at age 46, whm the optum is de- 
 clared, parties have the option of renouncing their profits for an Annuity either 
 at earlier or later ages, the terms for which can be ascertained at the Office. 
 
 . 
 
 , 
 
North British and Mercantile Insurance Company. 19 
 
 tgthe 
 f that 
 
 luity 
 100 
 
 I, 
 ng 
 
 . 
 
 iade- 
 either 
 
 ASSURANCE AND ANNUITY TABLE. 
 
 This table has been constructed expressly to suit the conve- 
 nience of those persons who, having effected Policies on their 
 Lives at an early period of life for the benefit of their families or 
 others dependent on them, find at an advanced age that, from a 
 change of circumstances, they either have no longer any object 
 to serve by continuing their Policies, or find it inconvenient to 
 do so. 
 
 When this happens, they have formerly been obliged either 
 to keep up the Policy, which they then feel to be a burden, or 
 to surrender it at a considerable sacrifice. 
 
 To obviate this difficulty, the Prefixed Table has been pre- 
 pared, under which a party insured with Profits, according to 
 Table II., may, at age 45, elect to receive, in lieu of his Policy, 
 an Annuity commencing on his attaining 66. This benefit is 
 conferred on his renouncing the Profits to which the Policy may 
 have been or may be entitled. Should death occur before the 
 commencement of the Annuity, the original sum assured becomes 
 payable. 
 
 EXAUFLE.--A person aged 30 opens a Policy on his life for SIOOO at 
 an Annual Premium of »24.92, but at the age of 45 elects io re- 
 ceive an Annuity during Life to commence on attaining 66. On 
 intimating this to the office, and surrendering his right to past 
 and future Profits, the Company wiU, on the policy being regu- 
 larly kept up, undertake to pay to his heirs the original sum as- 
 sured of SIOOO, if death occur b^ore the age of 65, or an annuity 
 to himself, on attaining that age, (/S107.08, dvHng the remain' 
 der qfhis l\fe, being at the rat© of 10 Jl ner cent. 
 
 .m* 
 
Ago. 
 
 16 
 16 
 17 
 18 
 19 
 20 
 
 21 
 22 
 23 
 24 
 25 
 
 26 
 27 
 28 
 29 
 90 
 
 81 
 82 
 88 
 84 
 36 
 
 36 
 37 
 38 
 39 
 40 
 
 41 
 42 
 48 
 44 
 46 
 
 49 
 
 47 
 
 48 
 49 
 50 
 
 TABLE V. 
 
 HALF PBEMIUM Table for Aflsnranoe of $100. 
 
 Without Profitb. 
 
 Annual Prem. 
 
 for 
 Pirgt flv© jroars 
 
 0.86 
 0.87 
 0.89 
 0.91 
 0.98 
 0.96 
 
 0.98 
 1.01 
 1.04 
 1.07 
 1.10 
 
 1.13 
 1.16 
 1.20 
 1.28 
 1.26 
 
 1.30 
 1.38 
 1.87 
 1.41 
 1.46 
 
 1.50 
 
 66 
 60 
 65 
 71 
 
 76 
 82 
 
 1.88 
 1.94 
 2.00 
 
 2.08 
 2.16 
 2.24 
 2.29 
 2.46 
 
 Annual Prem. 
 
 for Remainder 
 
 of Life. 
 
 1.61 
 1.66 
 1.69 
 1.78 
 
 1.78 
 1.82 
 
 1.87 
 1.92 
 
 1.97 
 2.08 
 2.09 
 
 2.16 
 2.21 
 2.28 
 2.84 
 2.40 
 
 2.47 
 2.68 
 2.61 
 2.69 
 2.77 
 
 2.85 
 2.94 
 3.M 
 3.14 
 8.26 
 
 8.86 
 3.46 
 8.57 
 8.68 
 3.81 
 
 3.96 
 4.09 
 4.26 
 4.35 
 4.65 
 
 With I' ofits. 
 
 Age. 
 
 16 
 16 
 17 
 18 
 19 
 20 
 
 21 
 22 
 23 
 24 
 26 
 
 26 
 27 
 
 28 
 29 
 80 
 
 31 
 32 
 33 
 34 
 86 
 
 36 
 37 
 38 
 39 
 40 
 
 41 
 42 
 
 43 
 44 
 46 
 
 46 
 47 
 48 
 49 
 50 
 
 Annual Prem. 
 
 for 
 Flrat five years. 
 
 0.98 
 1.00 
 1.08 
 1.05 
 1 08 
 1.10 
 
 1.18 
 1.16 
 1.19 
 1.23 
 1.26 
 
 1.80 
 1.84 
 1.88 
 1.42 
 1.46 
 
 1.49 
 1.68 
 1.58 
 1.68 
 1.68 
 
 1.78 
 
 1.78 
 
 ■1.84 
 
 1.90 
 
 1.97 
 
 2 08 
 
 2.09 
 2.16 
 
 2.2.S 
 2.3A 
 
 2.g:) 
 2M 
 2.58 
 2.64 
 2.81 
 
 Annual Prem. 
 
 for Komainder 
 
 of Life. 
 
 1.86 
 1 90 
 1.94 
 1.99 
 2.06 
 2.09 
 
 2.16 
 2.20 
 2.27 
 2.38 
 2.40 
 
 2.47 
 2.64 
 2.62 
 2.70 
 2.76 
 
 2.83 
 2.92 
 3.00 
 3.09 
 3.18 
 
 3.28 
 3.89 
 3.50 
 3.62 
 3.73 
 
 3.85 
 3.98 
 4.09 
 4.24 
 4.38 
 
 4.54 
 4.70 
 4.90 
 5.00 
 6.34 
 
Prem. 
 linder 
 fo. 
 
 HALF CKEPIT AND HALF VREMIUM SYSTEMS. 
 
 1.— Half Cbbdit SraTSM. 
 
 When an Assurance is for the whole term of Life, it is usual, 
 wheu desired, by the Assured, to allowone-half of the Premiums 
 to remain on credit for the first five years, the party paying 
 Interest thereon Yearly with tl.o other half, and the Accumulat- 
 ed unpaid Premiums forming 8 'l.bt againit the party, which 
 may be either paid off a» convenience, or deducted from the Sum 
 assured at death. 
 
 Thus, on a Por : or $1000 effected at Age 30, the Promium, 
 with Profits, would be $24.90, one half of which, unrlr r the Half- 
 Credit System, need only be v'.vA during the first five years, the 
 remaining half being allowed to accumulate as a debt against 
 the Policy. The payments for each year will therefore be as 
 under : — 
 
 Half > 
 Premiums j" 
 Interest on 
 
 First 
 year, 
 
 «.c, 
 12.45 
 
 Unpaid 
 PremUms 
 
 [ 02 
 13.07 
 
 Second 
 year. 
 
 «.c. 
 12.1S 
 
 1.24 
 13.09 
 
 TlUrd 
 year. 
 
 «. c, 
 12.46 
 
 1.80 
 14.31 
 
 Fourth 
 year. 
 
 9. c. 
 12.45 
 
 2.48 
 14.03 
 
 Fifth 
 year. 
 
 $. c. 
 12.45 
 
 3.10 
 16.65 
 
 Rem. of 
 Life. 
 
 I. c. 
 24.00 
 
 3.10 
 28.00 
 
 By this system u debt has accumulated ngainst the Policy at 
 the end of the five years, amounting to $62.25, on which Interest 
 IS payable along with the/wW Premium until the debt is paid off. 
 
 2. — Half Pucmicm System. 
 
 T) obviate the '•^.idvantagcs arising from the accumulation 
 u. ucot, and, at the .«amo time, endeavor to suit the convenience 
 of parties, the Directors have caused the Half Premium Table 
 to be constructed, wherein the Premiums for the first five years 
 will be found equally moderate with the Half Credit System 
 while the Policy at the end of that period, is entirely free from 
 the burden of debt. 
 
 EXAMPLE.-Ata«e 30 a Policy may bo effected for SlOOO with Profits 
 for an Annual Premium of «14.60 for th* fir-f flvo «^o,.a o«^ 
 mm for the remainder of life, without any debt having aWsen 
 from unpaid premiums. 
 
22 North British and Mercantile Insurance Company^ 
 
 TABLE VI. 
 TERMINABLE BATES OF PREMIUM. 
 
 Tible Of ANNUAL PBEMITJMS for a specified number of Tears, for the 
 Assaranoe of $100, to be paid at Death, the Policy continuing in force 
 after the Premiums have been exhausted. 
 
 Without Pkofitb. 
 
 Age. 
 
 18 
 19 
 20 
 
 21 
 22 
 28 
 24 
 *25 
 
 26 
 27 
 28 
 29 
 80 
 
 81 
 82 
 88 
 84 
 86 
 
 86 
 87 
 88 
 89 
 40 
 
 One 
 Payment. 
 
 Ten 
 Annual Prem's. 
 
 84.48 
 86.08 
 86.69 
 
 86.18 
 86.79 
 87.42 
 88.07 
 88.74 
 
 89.42 
 40.18 
 40.88 
 41.80 
 42.18 
 
 42.77 
 48.42 
 44.11 
 44.88 
 45.67 
 
 46.83 
 47.11 
 47.90 
 48.71 
 49.52 
 
 4.28 
 4.86 
 4.42 
 
 4.50 
 4.68 
 4.66 
 4.75 
 
 4.84 
 
 4.98 
 6.03 
 5.13 
 6.22 
 580 
 
 5.38 
 5.47 
 5.66 
 5.66 
 5.76 
 
 5.87 
 6.98 
 6.10 
 6.22 
 6.88 
 
 Fifteen 
 Annual Prem's 
 
 41 
 
 60.29 
 
 6.44 
 
 42 
 
 51.06 
 
 6.64 
 
 43 
 
 61.82 
 
 6.64 
 
 44 
 
 52.61 
 
 6.74 
 
 46 
 
 63.43 
 
 6.84 
 
 46 
 
 54.28 
 
 6.95 
 
 47 
 
 55.17 
 
 7.07 
 
 48 
 
 56.11 
 
 7.19 
 
 49 
 
 67.18 
 
 7.84 
 
 60 
 
 68.20 
 
 7.50 
 
 3.11 
 3.16 
 8.22 
 
 8.28 
 8.83 
 3.40 
 3.46 
 3.53 
 
 8.60 
 3.68 
 8.75 
 8.82 
 8.88 
 
 3.95 
 4.01 
 4.08 
 4.16 
 4.24 
 
 4.32 
 4.41 
 
 4.49 
 4.58 
 4.67 
 
 4.75 
 4.82 
 4.90 
 4.98 
 5.06 
 
 5.15 
 5.25 
 5.36 
 5.49 
 5.64 
 
 Twenty 
 Annual Prem's, 
 
 2.64 
 2.69 
 2.63 
 
 2.68 
 2.73 
 2.78 
 2.84 
 2.90 
 
 2.96 
 3.02 
 3.08 
 3.14 
 3.20 
 
 3.25 
 3.31 
 3.37 
 3.43 
 3.60 
 
 3.57 
 3.64 
 3.71 
 3.79 
 3.86 
 
 3.93 
 4.00 
 4.08 
 4.15 
 4.23 
 
 - AS.^>"^^*'— -^* *h® a«e of 25, $100 may be assured bv a sinele navment 
 SiJ^Vi*' °V^^ payment 01154.84 Annually for Ten years,' or »8.63 Anbually 
 for Fifteen Years, or $2.90 Annually for Twenty Years, when no further nav- 
 ments are required, and the Policy continues in force. 
 
 oi 
 fo 
 to 
 
r the 
 force 
 
 Dent 
 lally 
 pay. 
 
 North British and Mercantile Insurance Company. 23 
 
 TABLE VII. 
 TERMINABLE RATES OF PREMIUM. 
 
 Table of ANKUAL FBEmUMS for a specified number of Tears for the As- 
 suranM of «100 to be paid at Death, the PoUcy oontiiming in force 
 after the Premiums have been exhausted. 
 
 With Profits. 
 
 Age. 
 
 18 
 
 19 
 20 
 
 21 
 22 
 23 
 24 
 *25 
 
 26 
 27 
 28 
 29 
 80 
 
 81 
 82 
 33 
 34 
 35 
 
 36 
 37 
 38 
 89 
 40 
 
 41 
 42 
 43 
 44 
 46 
 
 46 
 47 
 48 
 49 
 60 
 
 One Ten 
 
 Payment. Annual Prem'B 
 
 37.93 
 88.63 
 39.16 
 
 39.80 
 40.47 
 41.16 
 41.88 
 42.61 
 
 43.36 
 44.14 
 44.91 
 46.66 
 46.36 
 
 47.05 
 47.76 
 48.62 
 49.31 
 50.13 
 
 60.97 
 61.82 
 62.70 
 63.59 
 54.47 
 
 66.32 
 56.16 
 57.00 
 57.89 
 
 68.77 
 
 69.71 
 60.69 
 61.73 
 62.84 
 64.02 
 
 4.97 
 6.06 
 6.13 
 
 6.21 
 5.31 
 5.40 
 5.50 
 6.61 
 
 6.72 
 5.83 
 5.95 
 6.06 
 6.16 
 
 6.24 
 6.34 
 6.45 
 6.66 
 6.68 
 
 6.78 
 6.88 
 6.99 
 7.10 
 7.20 
 
 7.29 
 7.38 
 7.46 
 7.64 
 7.63 
 
 7.71 
 
 7.81 
 7.91 
 8.04 
 8.18 
 
 Fifteen 
 Annual Prem's 
 
 3.61 
 3.67 
 8.73 
 
 3.80 
 3.87 
 3.94 
 4.02 
 4.10 
 
 4.18 
 4.26 
 4.36 
 4.43 
 4.60 
 
 4.58 
 4.66 
 4.74 
 4.83 
 4.92 
 
 4.99 
 5.07 
 5.16 
 5.28 
 6.30 
 
 Twenty 
 Annual Prem'g, 
 
 2.95 
 3.00 
 8.06 
 
 8.11 
 8.17 
 3.23 
 3.29 
 3.86 
 
 3.43 
 3.60 
 8.68 
 3.65 
 8.71 
 
 .77 
 
 38 
 44 
 50 
 67 
 5.64 
 
 5.72 
 5.80 
 6.90 
 6.02 
 6.15 
 
 3 
 
 3.84 
 
 8.90 
 
 3.98 
 
 4.06 
 
 4.12 
 4.18 
 4.25 
 4.32 
 4.39 
 
 4.46 
 4.52 
 4.68 
 4.66 
 4.72 
 
 * ExAMPLB.>-At the age of 26. S6100 mav bo Amnrpd hv a Hinwio ^o^tv^^* 
 of $42.61, or on payment of m.Ql Annually for Ten Years, or"$4.To Anniiaiiy 
 for Fifteen Years, or 88.86 Annually for Twenty Years, the Policy havinc riirht 
 to Periodical Additions until it beoomeB a Claim. ^ * * 
 
24 North British and Mercantile Insurance Company. 
 
 TABLE Vlli. 
 
 Table of AVNTTAI FBEMtUMS until the attainment of a specified Age for 
 the Assurance of $100. to be paid to the Party on attaLiing said Age, 
 or to his Heiis at his Death, u it happen sooner. 
 
 Without Profits. 
 
 Age. 
 
 Policy Payabli 
 
 ! AT Death, on at 
 
 
 
 
 
 
 Age 65. 
 
 Age 60. 
 
 Age 56. 
 
 Age 50. 
 
 18 
 
 1.84 
 
 2.01 
 
 2.28 
 
 2.64 
 
 19 
 
 1.90 
 
 2.08 
 
 2.36 
 
 2.76 
 
 20 
 
 1.95 
 
 2.14 
 
 2.44 
 
 2.86 
 
 21 
 
 2.01 
 
 2.21 
 
 2.53 
 
 2.98 
 
 22 
 
 2.07 
 
 2.29 
 
 2.63 
 
 3.12 
 
 23 
 
 2.14 
 
 2.37 
 
 2.73 
 
 3.26 
 
 24 
 
 2.20 
 
 2.45 
 
 2.86 
 
 3.42 
 
 *25 
 
 2.28 
 
 2.55 
 
 2.97 
 
 3 59 
 
 26 
 
 2.36 
 
 2.65 
 
 3.10 
 
 3.77 
 
 27 
 
 2.44 
 
 2.75 
 
 3.24 
 
 . ;3.i*ft 
 
 28 
 
 2.53 
 
 2.86 
 
 3.39 
 
 d 10 
 
 29 
 
 2.61 
 
 2.97 
 
 3.54 
 
 4 -lo 
 
 30 
 
 2.70 
 
 3.08 
 
 3.70 
 
 4.e8 
 
 31 
 
 2.79 
 
 3.20 
 
 3.8S 
 
 4.C"'. i 
 
 32 
 
 2.89 
 
 3.34 
 
 4.07 
 
 ^2G 1 
 
 33 
 
 3.00 
 
 3.48 
 
 4 28 
 
 5.61 j 
 
 34 
 
 3,11 
 
 »r€4 
 
 4. a 
 
 6,00 ! 
 
 36 
 
 3.23 1 3.80 
 
 1 
 
 4.77 
 
 1 
 
 36 
 
 3.39 
 
 3 99 
 
 r>.06 
 
 n.97 
 
 37 
 
 3.60 
 
 4.19 
 
 5. 33 
 
 7.56 
 
 38 
 
 3.65 
 
 4.40 
 
 5.73 
 
 8.26 
 
 39 
 
 8.81 
 
 4.64 
 
 'i.l3 
 
 0.08 
 
 40 
 
 3,99 
 
 4.90 
 
 6.6H 
 
 10.06 i 
 
 41 
 
 4.17 
 
 5.18 
 
 7.09 
 
 1 
 
 42 
 
 4.36 
 
 5.49 
 
 7.66 
 
 
 43 
 
 4 67 
 
 6.83 
 
 8.34 
 
 
 44 
 
 4.79 
 
 6.20 
 
 9.13 
 
 
 45 
 
 5.04 
 
 6.64 
 
 10.08 
 
 
 46 
 
 5.32 
 
 
 i 
 
 
 47 
 
 5.68 
 
 
 
 
 48 
 
 5.99 
 
 
 
 
 49 
 
 6.39 
 
 
 
 
 50 
 
 6.87 
 
 
 ! 
 
 
 * E3:ample.— At the ago of 25 a person may aesure $100, payable to himself 
 
 at ua, xxji an .iviiuuaj! jrrumiuiu ui CJ^.ao ; or ui ou kiiT iiu i^unuai i'reDilUm 01 apii.oO; 
 
 or at 65 for an Annual Premium of $2.97; or at 50 for an Annual Premium of 
 $3.59; and in each instance, if the person should happen to die before the spe- 
 cified age, the money will be paid to his heirs. 
 
efor 
 ige, 
 
 North British and Mercantile Insurance Company. 26 
 
 TABLE IX. 
 
 Table of AKNUAL FBEMIUMS until the attainment of a specified age, 
 for the AMoranoe of $100, to be paid to the Parly on attaining said 
 Age, or to his Heirs at his Death, if it happen sooner. 
 
 With Profits. 
 
 
 Policy payable at Death, 
 
 OB AT 
 
 Age. 
 
 
 
 Age 65. 
 
 Age 60. 
 
 Age 55. 
 
 Age 60. 
 
 18 
 
 2.13 
 
 2.33 
 
 2.64 
 
 3.06 
 
 19 
 
 2.20 
 
 2.40 
 
 2.73 
 
 3.19 
 
 20 
 
 2.26 
 
 2.48 
 
 2.83 
 
 3.32 
 
 21 
 
 2.33 
 
 2.56 
 
 2.94 
 
 3.46 
 
 22 
 
 2.40 
 
 2.65 
 
 3.05 
 
 3.62 
 
 23 
 
 2.48 
 
 2.75 
 
 3.17 
 
 3.78 
 
 24 
 
 2.56 
 
 2.85 
 
 3.30 
 
 3.96 
 
 #26 
 
 2.64 
 
 2.96 
 
 8.44 
 
 4.16 
 
 26 
 
 2.73 
 
 3.06 
 
 8.59 
 
 4.38 
 
 27 
 
 2.88 
 
 8.18 
 
 8.75 
 
 4.61 
 
 28 
 
 2.93 
 
 8.31 
 
 8.93 
 
 4.86 
 
 29 
 
 8.03 
 
 8.44 
 
 4.11 
 
 6.13 
 
 80 
 
 3.13 
 
 8.58 
 
 4.30 
 
 5.43 
 
 31 
 
 3.24 
 
 3.72 
 
 4.50 
 
 6.75 
 
 32 
 
 3.35 
 
 3.87 
 
 4.72 
 
 6.10 
 
 83 
 
 8.47 
 
 4.03 
 
 4.96 
 
 6.61 
 
 34 
 
 8.60 
 
 4.22 
 
 6.23 
 
 6.97 
 
 35 
 
 8.75 
 
 4.41 
 
 6.53 
 
 7.49 
 
 86 
 
 8.88 
 
 4.60 
 
 6.84 
 
 8.05 
 
 87 
 
 4.03 
 
 4.81 
 
 6.19 
 
 8.70 
 
 88 
 
 4.18 
 
 5.05 
 
 6.57 
 
 9.47 
 
 89 
 
 4.35 
 
 5.30 
 
 7.00 
 
 10.37 
 
 40 
 
 4.53 
 
 5.57 
 
 7.48 
 
 11.44 
 
 41 
 
 4.72 
 
 5.86 
 
 8.03 
 
 
 42 
 
 4.92 
 
 6.18 
 
 8.66 
 
 
 43 
 
 6.13 
 
 6.69 
 
 9.36 
 
 
 44 
 
 5.36 
 
 6.94 
 
 10.21 
 11.23 
 
 
 45 
 
 5.62 
 
 7.39 
 
 .... 
 
 46 
 
 5.90 
 
 
 
 
 47 
 
 6.22 
 
 
 
 
 48 
 
 6.59 
 
 
 
 
 49 
 
 7.01 
 
 
 
 
 60 
 
 7.49 
 
 — 
 
 
 
 
 
 iself 
 
 a .50; 
 
 n of 
 
 spe» 
 
 * Example.— At theage of 26, a person may assure $100, payable to him- 
 self at 65, for an Annual I'remium of 552'64; or at 60, for an Annual Premium 
 of 82-95; or at 55, for an Annual Premium of $8'44; or at 60, for an Annual 
 Premium of $4*16; and iii each instance, if the person should happen to die 
 before the specified age, the money will be paid to his heirs, together with the 
 accumulated additions tcom the Company's Profits. 
 

 26 N(yrth Bntish and Mercantile Insurance Company. 
 
 
 
 
 TABLE X. 
 
 
 
 
 Table of ANNUAL PBEMIUMS for Assurance of $100 on TWO JOINT 
 
 
 
 i 
 
 i 
 
 LIVES, the Money payable at the death of the first that fliils. 
 
 
 
 Affea next 
 Birthday. 
 
 Without 
 Profits. 
 
 With 
 Profits. 
 
 A|?e8 next 
 Birthday. 
 
 Without 
 Profits. 
 
 With 
 Profits, 
 
 4.38 
 4.75 
 5.13 
 
 6.84 
 6.96 
 8.50 
 
 15 
 
 15 
 20 
 25 
 
 30 
 35 
 40 
 45 
 
 2.44 
 
 2.58 
 2.78 
 3.03 
 3.31 
 3.70 
 4.16 
 
 2.68 
 2.86 
 3.07 
 3.33 
 3.66 
 4.08 
 4.66 
 
 35 
 
 35 
 40 
 45 
 50 
 55 
 60 
 
 8.98 
 4.32 
 4.65 
 5.31 
 6.33 
 7.73 
 
 
 
 50 
 55 
 
 4.81 
 6.86 
 
 6.29 
 6.44 
 
 
 
 
 
 J 
 
 
 
 
 
 
 
 60 
 
 7.28 
 
 8.00 
 
 40 
 
 40 
 45 
 50 
 
 4.62 
 4.96 
 6.56 
 
 6.08 
 6.46 
 6.11 
 
 
 
 
 
 
 
 
 20 
 
 20 
 25 
 
 2.72 
 2.91 
 
 2.99 
 3.20 
 
 
 56 
 60 
 
 6.54 
 7.93 
 
 7.20 
 8.73 
 
 
 
 
 
 30 
 35 
 
 3.16 
 3.42 
 
 3.46 
 3.76 
 
 
 
 
 
 
 
 
 
 
 
 
 40 
 
 3.80 
 
 4.18 
 
 46 
 
 45 
 
 5.28 
 
 5 80 
 
 
 
 
 
 45 
 
 4.27 
 
 4.70 
 
 
 60 
 
 5.82 
 
 6.40 
 
 
 
 
 
 60 
 
 4.93 
 
 5.43 
 
 
 65 
 
 6.77 
 
 7.44 
 
 
 
 
 
 65 
 
 6.96 
 
 6.58 
 
 
 60 
 
 8.11 
 
 8.93 
 
 
 
 
 25 
 
 60 
 26 
 
 7.35 
 
 8.08 
 
 50 
 
 50 
 66 
 
 
 
 
 
 
 6.31 
 7.21 
 
 6.94 
 7 93 
 
 
 3.08 
 
 3.39 
 
 
 
 
 *30 
 
 3.31 
 
 3.64 
 
 
 60 
 
 8.50 
 
 9 35 
 
 • 
 
 
 
 35 
 40 
 45 
 50 
 
 3.57 
 3.94 
 4.36 
 6.01 
 
 3.93 
 
 
 
 
 
 
 
 
 4.31 
 
 4.80 
 5.61 
 
 55 
 
 55 
 
 8.08 
 
 8.88 
 
 
 
 
 65 
 
 6.05 
 
 6.65 
 
 
 60 
 
 9.33 
 
 10.26 
 
 
 
 
 60 
 
 7.46 
 
 8.20 
 
 
 
 
 
 
 
 60 
 
 60 
 
 10.06 
 
 U.12 
 
 
 
 
 
 
 
 
 30 
 
 30 
 35 
 
 3.69 
 3.76 
 
 3.94 
 4.14 
 
 
 
 
 
 
 
 
 
 40 
 
 4.16 
 
 4.63 1 
 
 
 
 
 
 
 
 45 
 
 4.58 
 
 6.05 
 
 
 
 
 
 
 
 
 50 
 
 6.20 
 
 5.77 
 
 
 
 
 
 
 
 
 
 55 
 
 6.27 
 
 6.90 
 
 
 
 
 
 
 
 
 
 60 
 
 1 
 
 7.60 
 
 8.36 
 
 
 
 
 
 
 
 t 
 
 h!^i5Jil^rT^? Pe»-^o"s of the.ages of 25 and 30 may assure SilOO. niiv«hi. tr. 
 
 
 
 I 
 
 ^mJ^M^m/^^"^'''^' ^"""« *^" J^^^ ^»^^''' ^f *3:^i -without 
 
 
 
 ^^ 
 
 
 
 
HT 
 
 ts. 
 
 
 [fitO 
 lOUt 
 
 Korth Bntish and Mercantile Insurance Company. 27 
 
 Table XL 
 
 DOUBLE ASSURANCE TABLES. 
 By this Table, for a moderate Premium, a sum may be as- 
 sured, increasing at the rate of 5 per cent, per annum, and 
 remaining constant when it reaches double the original amount. 
 
 Age. 
 
 21 
 22 
 23 
 24 
 25 
 
 26 
 27 
 
 28 
 29 
 30 
 
 Premium 
 
 for $100, 
 
 increasing 
 
 to $200. 
 
 2.97 
 3.05 
 3.12 
 3.20 
 
 r..28 
 
 3.37 
 3.45 
 3.55 
 3.63 
 3.73 
 
 Age. 
 
 31 
 82 
 88 
 34 
 35 
 
 36 
 37 
 
 38 
 39 
 40 
 
 Premium 
 
 for $100, 
 increaeinsr 
 
 to $200. 
 
 3.82 
 3.92 
 4.02 
 4.13 
 4.25 
 
 4.37 
 4.50 
 4.63 
 4.77 
 4.90 
 
 Agb. 
 
 41 
 42 
 43 
 
 44 
 45 
 
 46 
 47 
 48 
 49 
 50 
 
 Premium 
 
 for $100, 
 
 increasiug 
 
 to $200. 
 
 5.04 
 5.19 
 6.34 
 5.50 
 5.66 
 
 6.83 
 6.02 
 6.21 
 6.42 
 6.65 
 
 The above Table has been constructed to meet the require- 
 ments of those who, foreseeing that they will in time require to 
 effect R larger assurance than they at present stand in need of, 
 and who, to secure this increased assurance, prefer paying a 
 moderate Premium rated according to their present ages, to the 
 heavy burden of paying the increased Premium applicable to 
 their advanced ages ; when, perhaps from ill health, either an extra 
 may be required or their lives may be altogether uninsurable. 
 Thus, for a moderate Premium, a party may secure a Policy 
 which will increase at the rate of 5 per cent, per annum, until, 
 in 20 years, the original amount is doubled. 
 
 r ^^^^^^f ^^TiON.-Suppose that a person aged 30 assures in the usual wav 
 for $1000, according to Table I., his Premium will be .S21.50. When he 
 attains tlie ago of 40, he finds that he requires an additional assurance of 
 $600. His Premium will then be $.%.81 ; and when he arrives at 50 he 
 assures a further sum of $500-in all, $2,000. for which he must pay $5b 75 
 Hut by the Double Assurance syptem the same individual may, for the com- 
 paratively small Premium of miM accomplish the .^ame object H.-« 
 r'i?.^*' '^'^'^ ^* ^^^' i^^^reaseseach year by $50, and at 40 he is assured 
 for $1500, and at60 for $2,000, the same as in the former inslunce, but pay- 
 mg a Premium $18.50 less. ^^ 
 
28 
 
 N^th mm and Mercantile Insurance Campany. 
 
 Tablb XII. 
 ENDOWMENTS FOR CHILDREN. 
 
 PRBMIDMS FOR $100. PATABTW nv *m™. 
 
 ^ ' i-AYABLB ON ATTAINING THB AGB OP 
 
 TWBNTY-ONB YBARS. 
 
 WITHOUT A RMUBN OF PBBMIUMS. 
 
 Age next 
 Birthday. 
 
 SinjBfle I Annnal 
 Frenuum. Premium. 
 
 64.61 
 67.22 
 69.76 
 62.26 
 64.76 
 
 4.98 
 6.46 
 6.01 
 6.66 
 7.41 
 
 Y^rBne:^^m^^V'Z -K^^^ '^"^ ^" secured on a Child aged Two 
 xeara next Birthday attaining the aee of Twenfv n«o v«— „ v * „/^" 
 
 Payment of !iM08.40, or an annual Payment oT^r at? ' ^ * ®*"«^^ 
 
 BBIKO .OK.BITBI, Bhould the chL breach t^tf^^^ ''""'^"' 
 
 WITH A BBTUBN OF PEEMIUM. 
 
 ^.??J??^* Single 
 Birthday. Premium. 
 
 1 
 2 
 3 
 4 
 6 
 
 Annual 
 Premium. 
 
 48.67 
 60.71 
 62.84 
 64.94 
 67.05 
 
 3.66 
 8.80 
 4.09 
 4.42 
 4.79 
 
 Age next 
 Birthday. 
 
 6 
 7 
 8 
 9 
 10 
 
 Single 
 Premium. 
 
 69.20 
 61.41 
 63.68 
 66.03 
 68.46 
 
 Annual 
 Premium. 
 
 6.21 
 6.70 
 6.26 
 6.91 
 
 7.67 
 
 I 
 
 Ye^aw^n'^eTB";!!'^^^ ^^ secured on a Child aged Twl 
 
 SZnt of ^7 fr T* *^,' "^' "' Twenty-one Years, by a Sin^e 
 
North Brim and Mercantile Insurance Company. 
 
 29 
 
 ^^NUITIES. 
 
 For EXAMPW.-A male of 30 years of *«.« ^ 
 an Annuity of «ioa ♦ ^ **^® ^^^ secure 
 
 of 60 for .n A ' *o commence on his attaining the age 
 or bu, tor an Annual Premium of «!« «,«*k * . ** 
 $23.04 with return ofPremil ff m !' ^^""^ ''*""' ^^ 
 his not arriving It 60 ' '' '"""' '° *^^ ^^«°* ^^ 
 
 3. Survivorship Annuitiib may be aecnr-ii r^ux. 
 
 turn of Premium. ' ""^^^ "'^ ^^^^O'^* '«- 
 
 the event of his being the surri", " '"'''' *" 
 
 Revertionary InteretU. 
 
 extent of the >.cJ^l",noT '"""' °'' *■""" *« «"« 
 
 
30 North British and Mercantile Insurance Company. 
 
 TABLE XIII. 
 
 BATES OF ANNUITT for every $100 of Parohiue Money (payable 
 
 half-yearly). 
 
 Age last 
 Birthday. 
 
 Male. 
 
 FBaCALB. 
 
 Age last 
 Birthday. 
 
 Male. 
 
 Female. 
 
 16 
 
 508 
 
 4.78 
 
 48 
 
 7.18 
 
 6.87 
 
 16 
 
 5.13 
 
 4.81 
 
 49 
 
 7.36 
 
 6.48 
 
 17 
 
 5.18 
 
 4.83 
 
 50 
 
 7.68 
 
 6.68 
 
 18 
 
 5.23 
 
 4.85 
 
 
 
 
 19 
 
 5.26 
 
 4.88 
 
 61 
 
 7.71 
 
 6.72 
 
 20 
 
 5.80 
 
 4.90 
 
 52 
 
 7.90 
 
 6.85 
 
 
 
 
 68 
 
 8.09 
 
 6.99 
 
 21 
 
 5.33 
 
 4.93 
 
 64 
 
 8.29 
 
 7.15 
 
 22 
 
 5.36 
 
 4.96 
 
 66 
 
 8.60 
 
 7.32 
 
 23 
 
 5.38 
 
 4.99 
 
 
 
 
 24 
 
 5.40 
 
 5.02 
 
 56 
 
 8.71 
 
 7.60 
 
 25 
 
 5.48 
 
 5.06 
 
 67 
 
 8.98 
 
 7.68 
 
 
 
 
 68 
 
 9,16 
 
 7.89 
 
 26 
 
 6.46 
 
 5.08 
 
 59 
 
 9.41 
 
 8.11 
 
 27 
 
 5.48 
 
 5.13 
 
 60 
 
 9.68 
 
 8.34 
 
 28 
 
 5.58 
 
 6.16 
 
 
 
 
 29 
 
 5.57 
 
 5.19 
 
 61 
 
 9.97 
 
 8.69 
 
 30 
 
 5.61 
 
 5.23 
 
 62 
 
 10.29 
 
 8.87 
 
 
 
 
 68 
 
 10.66 
 
 9.17 
 
 31 
 
 6.6G 
 
 5.28 
 
 64 
 
 11.08 
 
 9.48 
 
 32 
 
 5.71 
 
 5.32 
 
 65 
 
 11.46 
 
 9.83 
 
 33 
 
 5.76 
 
 5.37 
 
 
 
 
 34 
 
 5.82 
 
 5.42 
 
 66 
 
 11.78 
 
 10.09 
 
 35 
 
 6.88 
 
 5.46 
 
 67 
 
 12.10 
 
 10.38 
 
 
 
 
 68 
 
 12.46 
 
 10.69 
 
 36 
 
 5.94 
 
 5.51 
 
 69 
 
 12.82 
 
 11.08 
 
 37 
 
 6.02 
 
 6.66 
 
 70 
 
 13.21 
 
 11.40 
 
 38 
 
 6.09 
 
 6.62 
 
 
 
 
 39 
 
 6.17 
 
 5.67 
 
 71 
 
 18.63 
 
 11.79 
 
 40 
 
 6.25 
 
 5.73 
 
 72 
 
 14.06 
 
 12.21 
 
 
 
 
 73 
 
 14.64 
 
 12.66 
 
 41 
 
 6.33 
 
 5.79 
 
 74 
 
 16.10 
 
 18.13 
 
 42 
 
 6 43 
 
 5.86 
 
 76 
 
 15.73 
 
 18.62 
 
 43 
 
 6.63 
 
 5.93 
 
 
 
 
 44 
 
 6.64 
 
 6.01 
 
 76 
 
 16.47 
 
 14.18 
 
 46 
 
 6.76 
 
 6.08 
 
 77 
 
 17.48 
 
 14.74 
 
 
 
 
 78 
 
 18.58 
 
 16.82 
 
 46 
 
 6.89 
 
 6.18 
 
 79 
 
 19.78 
 
 16.88 
 
 47 
 
 7.03 
 
 6.27 
 
 80 
 
 21.09 
 
 16.41 
 
 
 Note,-- The above Annuitiefl are paid by half-yearly portione, commencing 
 at the date of purchase, and paid up to the first Term or Whitsunday or Martin- 
 mas thereafter, and ending with the pajrment at the last term preceding the 
 decease of the Annuitant. By a slight diminution of the above rates (the extent 
 of which may be ascertained on application), the Annuity will be made payable 
 up to the day of death. 
 
 The Annuity, if only paid yearly, will be a little more than the above, varying 
 with the age. 
 
North British and Mercantile Insurance Company. 31 
 
 >le 
 
 
 TABLE XIV. 
 FBICE OF ANNUITT of $100 (payable half-yearly). 
 
 Age last 
 Birthday. 
 
 Male. 
 
 Female. 
 
 Age last 
 Birthday. 
 
 Male. 
 
 Female. 
 
 Ifj 
 
 1969.68 
 
 2094.00 
 
 48 
 
 1392.04 
 
 15n.71 
 
 16 
 
 1950.38 
 
 2081.88 
 
 49 
 
 1360.75 
 
 1545.67 
 
 17 
 
 1932.08 
 
 2070.63 
 
 60 
 
 1328.96 
 
 1518.68 
 
 18 
 
 1916.29 
 
 2059.96 
 
 
 
 
 19 
 
 1900.96 
 
 2049.67 
 
 51 
 
 1297.08 
 
 1490.08 
 
 20 
 
 1887.38 
 
 2039.38 
 
 52 
 
 1266.29 
 
 1460.58 
 
 
 
 
 58 
 
 1286.96 
 
 1430.00 
 
 21 
 
 1876.83 
 
 2028.33 
 
 1 54 
 
 1206.25 
 
 1398.63 
 
 22 
 
 1867.38 
 
 2016.92 
 
 55 
 
 1177.13 
 
 1366.54 
 
 23 
 
 1859.46 
 
 2005.13 
 
 
 
 
 2i 
 
 1861.50 
 
 1992.88 
 
 56 
 
 1148.42 
 
 1334.08 
 
 25 
 
 1843.13 
 
 1980.21 
 
 57 
 
 1120.17 
 
 1301.18 
 
 
 
 
 58 
 
 1091.96 
 
 1267.67- 
 
 26 
 
 1834.04 
 
 1966.96 
 
 59 
 
 1063.38 
 
 1233.79 
 
 27 
 
 1822.54 
 
 1963.38 
 
 60 
 
 1084.26 
 
 1199.38 
 
 2S 
 
 1810.21 
 
 1939.4.*^ 
 
 
 
 
 2d 
 
 1797.08 
 
 1025 l;j 
 
 61 
 
 1003.83 
 
 1163.88 
 
 yo 
 
 1783 17 
 
 lfdM.46 
 
 62 
 
 972.04 
 
 1127.71 
 
 
 
 
 63 
 
 939.17 
 
 1091.25 
 
 31 
 
 1768.50 
 
 189.0 21 
 
 64 
 
 906.29 
 
 1054.63 
 
 32 
 
 1753,21 
 
 1870.67 
 
 66 
 
 878.58 
 
 1018.00 
 
 3.^] 
 
 17E7.00 
 
 1863.88 
 
 
 
 
 «^ 
 
 1719.83 
 
 1847.83 
 
 66 
 
 849.21 
 
 991.08 
 
 ■.id- 
 
 1701.71 
 
 1831.58 
 
 67 
 
 826.46 
 
 963.63 
 
 
 
 
 68 
 
 803.50 
 
 935.58 
 
 86 
 
 1682.75 
 
 1815.50 
 
 69 
 
 780.26 
 
 906.68 
 
 37 
 
 1663,21 
 
 1799.08 
 
 70 
 
 757.04 
 
 877.04 
 
 38 
 
 1643.13 
 
 1782.13 
 
 
 
 
 39 
 
 1S22.54 
 
 1764.63 
 
 71 
 
 734.08 
 
 848.17 
 
 40 
 
 1601. 3i; 
 
 1746.46 
 
 72 
 
 711.25 
 
 819.25 
 
 
 
 
 73 
 
 687.71 
 
 790.42 
 
 41 
 
 157i7,38 
 
 1727.46 
 
 74 
 
 662.42 
 
 762.13 
 
 42 
 
 1656.04 
 
 1707.75 
 
 76 
 
 685.58 
 
 734.38 
 
 43 
 
 1531.83 
 
 1687.33 
 
 
 
 
 44 
 
 1506.42 
 
 1666.08 
 
 76 
 
 607.25 
 
 705.67 
 
 45 
 
 1479.88 
 
 1643.96 
 
 77 
 
 573.68 
 
 678.29 
 
 
 
 
 78 
 
 539.71 
 
 653.13 
 
 46 
 
 1452.13 
 
 1620.83 
 
 79 
 
 506.83 
 
 628.83 
 
 47 
 
 1422.58 
 
 1596.75 
 
 80 
 
 474.17 
 
 608.29 
 
 dng 
 rtin- 
 r the 
 :tent 
 able 
 
 ying 
 
 Note.— The above Annuities are paid by half-yearly portions, commencing 
 at the date of purchase, and paid up to the first Term of Whitsunday or Martin- 
 mas thereafter, and ending with the payment at the last term preceding the 
 decease of the Annuitant. By a slight mcrease to the above rates (the extent of 
 winch may bo ascertained on application), the Annuity will be made payable up 
 to the day of death. *- .» r 
 
 The Annuity, if only paid yearly, will be a little more than the above, 
 varying with the age. 
 
32 North British and Mercantile Insurance Company, 
 
 FIRE DEPARTMENT. 
 
 Insurances effected at the lowest rates of Premium cor- 
 responding to the risk. 
 
 Losses by fire from lightning made good, also damage 
 sustained by the explosion of gas, occurring within build- 
 ings on or in which the Company has insurances. 
 
 N.B. — The full power of settling all losses is vested in 
 the Montreal Board of Directors, and claims are payable 
 immediately on being satisfactorily adjusted. 
 
 For Rates and other information, appliqation may he 
 made at the Central Branch, or to any of the Agents of 
 the Company. 
 
.1 
 
 THE NEXT 
 
 DIVISION OP PROFITS 
 
 TAKKS rLAOK 
 
 At 3l8t DECEMBER. 1865.